What is the official website of the payment service?
The official website of Froslev-Mollerup Sparekasse is https://www.fmspks.dk
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Where can I find the customer support contacts?
Customer support contacts can be found on the "Kontakt" page of the official website https://www.fmspks.dk/kontakt/
What is the hotline phone number?
The main customer service phone number is +45 97 74 44 00
Is there a toll-free support number?
There is no verified information about a toll-free support number for Froslev-Mollerup Sparekasse.
What is the email address for technical support?
The general contact email is [email protected]; there is no separate verified technical support email.
Are there separate emails for different types of inquiries?
There is a secure mail option [email protected] available, but no detailed public information on specialized emails for different inquiries.
Where can I find the online chat support?
There is no verified information confirming the availability of online chat support on the official website.
Does the chat support work 24/7?
Not applicable due to no verified online chat support.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support through Telegram, WhatsApp, or other messengers.
What are the support working hours?
Customer service phone support is open Monday, Tuesday, Wednesday, and Friday from 10:00 to 16:00, and Thursday from 10:00 to 17:00.
Does support work on weekends and holidays?
Support does not operate on weekends or public holidays.
Are there regional offices for in-person visits?
Yes, physical office presence with customer visits is available.
Where are the physical offices located?
The main office is located at Vestergade 7, 7900 Nykøbing Mors, Denmark.
Can I schedule a personal meeting?
There is no explicit verified online booking system, but scheduling personal meetings is likely possible by contacting the office directly.
Are there representatives in different countries?
There is no information indicating international representatives.
In which languages is support available?
Support is primarily available in Danish.
How quickly does support respond to requests?
No verified average response times available; typical practices suggest response within business hours and a few days for email inquiries.
Is there a priority system for VIP clients?
There is no public information confirming VIP or priority customer support systems.
Can I request a callback?
There is no specific mention of a callback service.
When was the payment service founded?
The exact founding date of the Froslev-Mollerup Sparekasse is not explicitly available in the sources.
Who is the founder and owner of the service?
Detailed founder or owner information is not publicly available; it is a local Danish savings bank.
In which country is the company registered?
The company is registered in Denmark.
What is the development history of the payment service?
The bank serves its local community with savings, loans, and investment products; detailed historical development information is not publicly available.
Have there been major updates or rebranding?
No public data on major updates or rebranding events.
Who sits on the company's board of directors?
There is no publicly disclosed detailed information about the board of directors.
Are there investors or partners in the service?
The bank participates in Finansiel Stabilitet and has collaborations with other Danish financial entities.
Does the company participate in stock trading?
It is a savings bank and is not publicly traded.
What is the company's market capitalization?
Not applicable as it is not publicly listed; total assets were approximately 1,227 million DKK as of 2023.
Are there subsidiary companies or branches?
The bank operates mainly in Nykøbing Mors and does not list subsidiaries.
What licenses does the payment service have?
It is authorized and supervised by the Danish Financial Supervisory Authority, license/reference number 9133.
In which jurisdictions does the service operate officially?
Operates officially in Denmark.
Are there licenses for cryptocurrency operations?
There is no verified information on licenses regarding cryptocurrency operations.
Does the service comply with AML/KYC requirements?
As a licensed Danish bank, it complies with EU and Danish AML and KYC regulations, including PSD2 directives.
Are there security certificates (PCI DSS, etc.)?
Specific security certifications are not publicly detailed, but PCI DSS compliance is typical for Danish banks handling card payments.
Has the service undergone security audits?
No publicly disclosed audit reports, but compliance with Danish regulatory requirements implies regular audits.
Is there insurance for client funds?
Deposits are protected up to 100,000 EUR per depositor under the Danish deposit guarantee scheme.
Which international standards does it comply with?
Compliance with EU PSD2, GDPR, AML directives, and Danish banking regulations.
Have there been any regulatory fines or violations?
No publicly available records of regulatory fines or violations.
Where can I find real reviews about the service?
Limited public reviews; local community feedback mostly through direct contact or local forums.
What are the main user complaints?
No verified detailed complaint data found.
What do users most often praise the service for?
Users appreciate local community focus and personalized savings and loan services.
Are there issues with fund withdrawals?
No publicly reported systematic withdrawal issues.
Is the interface convenient according to users?
The bank provides mobile banking apps praised for ease of use, but no broad ratings available.
Are clients satisfied with transaction speed?
No specific user feedback on transaction speeds, but modern banking infrastructure likely ensures standard speeds.
Do users recommend this service?
No broad user recommendation statistics publicly available.
How do experts assess the service's reliability?
Experts consider licensed Danish savings banks generally reliable and well regulated.
Are there industry awards and recognitions?
No public information on industry awards.
Does the service participate in payment system rankings?
The bank ranks 45th largest in Denmark by assets.
Are there recommendations from financial regulators?
No specific public endorsements, but regulatory approval affirms compliance.
What reputation does the service have among partners?
Regarded as a stable local bank within Danish banking circles.
How do they evaluate solution innovation?
No available information on innovation ratings.
Are there quality service certificates?
No publicly stated quality certifications.
Does the company participate in industry conferences?
No specific participation details found.
How does the service position itself in the market?
Positioned as a local community savings bank focused on personalized financial services.
Which fiat currencies does the service support?
Supports Danish Krone (DKK); likely some Euro (EUR) services for international transfers.
Are cryptocurrencies supported? Which ones specifically?
No support for cryptocurrencies found.
Is there a proprietary cryptocurrency or token?
No proprietary token exists.
Can currencies be converted within the service?
Currency conversion likely available for standard pairs as per international and local banking standards.
What exchange rates are used for conversion?
Not publicly stated; typically set by the bank based on market rates plus margin.
How often are exchange rates updated?
Typically updated daily according to market conditions.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
No indication of exotic currency support.
Are there currency restrictions in different countries?
Standard geographic restrictions per EU and Danish regulations apply.
What types of transfers does the service support?
Supports domestic and international bank transfers, SEPA payments.
Can transfers be made between service users?
Peer-to-peer transfers within the bank are supported.
Are transfers to bank cards supported?
No explicit information on card-to-card transfers.
Can money be transferred to bank accounts?
Yes, standard bank account transfers are supported.
Is bill payment available?
Yes, bill payment services are available.
Are recurring payments supported?
Recurring payment setups are supported as per typical Danish banking services.
Can automatic transfers be set up?
Automatic transfer scheduling is standard in online banking.
Is payment scheduling available?
Payment scheduling is available through online banking and app.
Are group payments supported?
No specific information on group payments.
Can payment links be created?
Payment link creation is not verified as a service feature.
What are the minimum transaction amounts in the service?
No specific minimum transaction amounts publicly detailed.
What are the maximum amounts that can be transferred?
Limits depend on account type and regulatory limits, but exact maximums are not publicly available.
Are there daily limits on operations?
Daily transaction limits apply per regulatory and internal bank policies.
What monthly and annual limits are in effect?
Monthly and annual limits follow regulatory standards; no specific figures disclosed.
Can limits be increased? How?
Limits can typically be increased through customer verification and bank approval procedures.
Do limits differ for verified users?
Verified users typically have higher limits.
Are there restrictions for new accounts?
New accounts may have initial operational limits until verification is completed.
Do special limits apply in different countries?
Geographic regulatory frameworks influence limits for cross-border services.
Can operations be temporarily blocked?
Operations can be blocked temporarily due to suspicious activity or regulatory requests.
Are there limits on the number of daily operations?
Daily operation count may be limited by internal policies.
What are the minimum amounts for account funding?
Minimum deposit amounts are typically low but not publicly specified.
What methods of funding are supported?
Funding via bank transfers, cash deposits, card payments possibly supported.
Are there fees for funding?
Fees for funding vary; specifics not publicly disclosed.
What are the minimum funding amounts?
No publicly specified minimum funding thresholds.
How quickly are funds credited when funding?
Domestic bank transfers usually credited within 1-2 business days.
How can money be withdrawn from the system?
Money can be withdrawn via bank transfers, cards, or in branch.
Are there fees for fund withdrawal?
Withdrawal fees depend on method and amount; specifics not public.
How long does withdrawal take?
Withdrawals generally take 1-3 business days.
What withdrawal limits are set?
Limits subject to account type and verification status; specifics not public.
How quickly are funds credited when funding with a card?
Card funding times depend on card issuer and bank; usually near real-time or same day.
How long does a bank transfer take?
Domestic transfers take 1-2 business days; international longer depending on network.
How quickly do cryptocurrency transfers arrive?
No cryptocurrency services available.
Are transfers between users instant?
Internal transfers within the bank likely instant.
Are there delays when funding on weekends?
Weekend funding is typically processed the next business day.
Do holidays affect funding speed?
Holidays delay processing similar to weekend effects.
Can crediting be accelerated for a fee?
No information on express crediting for fees.
What determines the speed of funding processing?
Processing speed depends on payment method, institution and network hours.
Are there notifications about funding status?
Customers usually receive status updates via app or email.
What to do if funding takes too long?
Contact customer support for delayed transactions.
How quickly are withdrawal requests processed?
Processed within 1-3 business days commonly.
How long does card withdrawal take?
Card withdrawals are subject to card network processing times, 1-3 days typical.
How quickly do bank transfers arrive?
Usually 1-2 business days domestically.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends processed on next business day.
Do holidays affect withdrawal speed?
Withdrawal processing is affected by holidays similarly.
Can withdrawal be accelerated for an additional fee?
No public info on express withdrawal fees.
What determines withdrawal processing time?
Bank processes, payment network, and compliance checks affect timing.
Are there notifications about withdrawal status?
Customers typically receive withdrawal status notifications.
Can a withdrawal request be canceled?
Cancellation depends on the withdrawal state and bank policy, generally only possible before processing.
How to register with the payment service?
Registration is done via branch or online application on official website.
What data is needed to create an account?
Identity documents, proof of address, contact details, and personal identification number are required.
Can registration be done without email?
Email is generally required for account registration.
Is phone confirmation required during registration?
Phone verification is typical during registration.
Are there age restrictions for registration?
Minimum age usually 18 years.
Can a corporate account be created?
Yes, business accounts are available with additional documentation.
Is it required to provide real data?
Real and verifiable data is mandatory due to regulatory compliance.
Are there country restrictions for registration?
Only residents or persons legally residing in Denmark generally eligible.
How long does account activation take?
Account activation typically occurs within a few business days after verification.
What verification levels exist?
Basic identity verification and enhanced verification for higher service levels.
What documents are required for basic verification?
Valid passport or national ID and proof of address.
Are documents needed for full verification?
Enhanced verification requires additional documents such as income proof or business registration for companies.
Are digital copies of documents accepted?
Digital submission of documents is generally accepted.
How long does the verification procedure take?
Verification processing takes a few days depending on document review.
Can the service be used without verification?
Limited service use is possible without full verification.
What restrictions apply to unverified users?
Transaction volume and service access limitations apply.
Is address confirmation required?
Yes, address verification is required.
Is a selfie with documents required?
Possibly required for identity confirmation under enhanced verification.
How often do documents need to be updated?
Typically every few years or upon significant changes.
What encryption technologies does the service use?
Standard TLS encryption employed for data security.
Is two-factor authentication supported?
2FA is supported for secure access.
Are there SMS confirmations for operations?
SMS verification is used for transaction confirmations.
Is biometric authentication supported?
Biometric authentication is supported via the mobile app.
Is blockchain technology used?
There is no public indication of blockchain technology usage.
Is there a multi-level security system?
Yes, multiple layers of security including encryption, 2FA, and monitoring.
How is user personal data protected?
Data is secured under GDPR and Danish privacy laws with strict access controls.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard industry DDoS mitigation practices in place.
Are regular security audits conducted?
Regular security audits are conducted as per regulatory requirements.
What anti-phishing protection measures are provided?
Security training, alerts, and secure login procedures minimize phishing risks.
Is there a suspicious activity detection system?
Fraud detection systems monitor transactions for suspicious activity.
How does the service combat money laundering?
AML procedures including KYC, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or AML issues are promptly blocked.
What to do when fraud is detected?
Report to the bank immediately for investigation and action.
How to report suspicious activity?
Customers can report through customer support channels or secure email.
Is there compensation for damage from fraudsters?
Depends on circumstances; banks generally have policies for fraud-related compensation.
What user rights exist for disputed transactions?
Customers have rights under Danish and EU law to dispute unauthorized transactions.
How to dispute account blocking?
Contact customer service and provide required verification for unlocking.
Is there insurance against cyber attacks?
Cybersecurity insurance policies are typically held, though specifics are not public.
What fees does the service charge for transfers?
Fee structure depends on transfer type; standard fees apply for international and domestic transfers.
Are there fees for account funding?
Generally no fees for local bank transfers; fees may apply for certain deposit types.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method and amount; details not public.
Are there fees for currency conversion?
Currency conversion fees are applied per bank policy.
Are there fees for account inactivity?
No public details on inactivity fees.
Are there account maintenance fees?
Maintenance fees may apply for certain account types.
Are fees charged for operation cancellation?
Operation cancellations typically do not incur fees unless third-party costs are involved.
Are there fees for expedited operations?
No clear info on express service fees.
Are there hidden fees?
No information suggesting hidden fees; fees are disclosed as per regulatory transparency rules.
How are fees calculated for large amounts?
Large transaction fees may be tiered or negotiated; exact methods are not publicly detailed.
Are there different tariff plans in the service?
Different pricing tiers may exist for retail and business customers.
What advantages does VIP status provide?
No publicly available VIP program details.
How to get preferential conditions?
Preferential terms typically negotiated for business or high-value clients.
Are there free operations per month?
Some accounts may offer a number of free transactions.
Are there discounts for active users?
No available information on activity-based discounts.
Are there corporate tariffs?
Corporate accounts have separate tariff plans.
Can individual conditions be obtained?
Custom terms may be available for select clients.
Do promotional codes work for fee reduction?
No information on promotional codes.
Are there cashback programs?
No cashback programs are publicly listed.
Are there discounts for transaction volumes?
Volume discounts likely available for business customers.
Is there an official mobile application?
Yes, official mobile banking apps available.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account overview, payment initiation, transaction history, approval of payments.
Does functionality differ from the web version?
Mobile apps offer streamlined functions; web offers full banking services.
Is Touch ID/Face ID supported?
Yes, biometric login supported on mobile apps.
Can the application work offline?
Limited offline functionality; most operations require internet.
Are there push notifications about operations?
Yes, push notifications are supported.
Is dark theme supported?
No public confirmation of dark mode.
How often is the mobile application updated?
Regular updates, typically every few weeks.
Are there beta versions of the application?
No public beta programs found.
Is the web interface of the service convenient?
The website is functional and user-friendly but basic.
Is responsive design supported?
Yes, the website supports mobile responsiveness.
In which languages is the interface available?
Danish primarily; limited English.
Is there a night mode for the website?
No information about a night mode.
Are hotkeys supported?
No information on keyboard shortcuts.
Can data be exported?
Transaction data export usually supported for statements.
Is there an API for developers?
No publicly available developer API.
Is integration with other services supported?
Integration with accounting software like Aritma available.
How often is the web interface updated?
Periodic updates as needed.
Are there virtual cards in the service?
No verified virtual card services.
Can disposable cards be created?
No information on disposable card issuance.
Is multi-currency account functionality supported?
No multi-currency accounts publicly noted.
Are there investment products?
Yes, investment products are offered.
Can interest be earned on balance?
Yes, savings accounts accrue interest.
Are there credit products?
Consumer and business loans are available.
Is P2P trading supported?
No P2P trading service present.
Can cryptocurrencies be bought/sold?
No cryptocurrency exchange services.
Is there acquiring for business?
Merchant acquiring services are not publicly detailed.
Are mass payouts supported?
No data on mass payout functionality.
Is there a loyalty program in the service?
No loyalty program mentioned.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback offers detailed.
Are there referral programs?
No public referral programs.
What privileges do VIP clients have?
Not publicly detailed.
Are there seasonal promotions and offers?
No info on seasonal promotions.
Can premium status be obtained?
No premium account upgrades publicly stated.
Are there partner discounts?
No partner discounts listed.
Are there corporate loyalty programs?
None publicly specified.
Does the service allow operations with online casinos?
No explicit information.
Are there restrictions on gambling transactions?
Strict regulations likely prohibit or limit gambling-related transactions.
Can accounts be blocked for casino play?
Possible under Danish AML regulations.
How does the service view gambling?
Gambling transactions are regulated and monitored.
Are there special conditions for gambling?
No detailed terms found.
Are casino transactions tracked?
Transactions are monitored for legal compliance.
Can operations with gambling sites be hidden?
No privacy provisions for hiding such transactions.
Are there notifications about gambling expenses?
No specific alerts reported.
Are there special fees for gambling operations?
No fees specified.
Can limits be set on gambling?
No public feature for gambling limits.
Is there a self-exclusion function?
Self-exclusion available under Danish gambling laws, typically supported by banks indirectly.
Can access to gambling sites be restricted?
Not directly by the bank.
Is gambling expense control supported?
Limited banking support; focus on monitoring.
Are there notifications about limit exceedance?
No public info on notifications.
Can operations with casinos be blocked?
Possible per regulatory compliance actions.
Is a "cooling-off period" supported?
Not specified by the bank.
Can help be obtained for gambling addiction?
Available via public health services, not the bank directly.
Is there partnership with player assistance organizations?
No direct partnerships known.
How to set up gambling expense notifications?
No direct bank-provided method.
Which online casinos accept this payment method?
No public list of accepted casinos.
Are there exclusive partnerships with specific casinos?
No partnerships indicated.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
None reported.
Can the method be used for both deposits and withdrawals in casinos?
No verified casino deposit/withdrawal support.
Are there geographic restrictions for casino usage?
Subject to Danish laws and EU regulations.
How do casino operators typically process transactions from this method?
Standard bank transaction processing applies.
Are there typical processing times when used with casinos?
Standard bank transfer speeds apply.
Do casinos usually charge additional fees for this method?
No confirmed info.
Are there any known compatibility issues with major casino platforms?
No known issues reported.